You probably already know your credit score, but did you know that you also have an insurance score?
If not, you’re not alone. Most people go their whole lives without knowing that their insurance score even exists, much less what it is. However, because your insurance score is used to calculate your premiums, this is one instance in which ignorance is not bliss.
In this article, we’ll discuss what your insurance score is, how it’s calculated, and why companies use it.
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There are a lot of factors that help determine your home insurance rates, but none are so easy to control as proper home maintenance.
Taking care of your home prevents wear and tear, damage, and the stress of having to deal with a middle-of-the-night emergency. When your home performs the way it should, you not only live better, you can breathe easier. And so can your insurance company when they consider how much of your risk they are taking on.
More claims lead to higher home insurance rates, so proper home maintenance is one way to keep your premiums down.
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Your home does a lot for you: it keeps you warm and dry, it keeps you safe, and it keeps all your things in one place. Aside from the odd repair or two, it’s holding up and doing its job well.
That’s why it comes as such as shock when your insurance company informs you that your roof age is too old and they are going to drop your homeowners insurance coverage if you don’t get a new one.
Huh?
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